Valorus Valorus

Loyalty rewards + cashback

Valorus increases sales and customer engagement through the a multi-tier loyalty + rewards platform with offers, discounts, and cashback. Use it as a stand-alone platform or integrate with your existing program(s).

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Branded loyalty debit card

Each user can be issued a physical, virtual, and up to 4 companion cards. Save money by eliminating merchant acquiring fees with closed-loop transactions when debit cards are used to purchase your products and services.

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Digital bank account

Each registered user receives a FDIC-insured bank account including direct deposit, mobile check deposit, linked reloadable loyalty debit card, and ATM access.

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P2P

Instant peer-to-peer payments make it easy for users to transfer money between family and friends, split bills and more.

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International money transfer

Lower cost on international money transfers than Moneygram and Western Union, done from user’s device.

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Personal finance manager

A financial wellness toolkit that helps users set budgets and goals, stay on track, make better financial decisions, avoid late fees, and accumulate savings.

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Credit builder

Give your users tools like reports, alerts, and tips to help them improve their credit score.

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Loans marketplace

Valorus provides a better deal on loans with an Expedia-like experience. Over 45 lenders to choose from. Alternative credit scoring models provide access to credit and/or better terms than traditional FICO lenders.

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Insurance marketplace

Valorus provides a turnkey access to the largest network of top providers with real-time personalized offers. Choose from over 25 insurance carriers, including subprime focus. Insurance lines include home, life, auto, pet, and other.

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Stock trading

Designed for the entry level investor. No minimum trade amount. Free trades for fractional stocks, ETF. Simple and instant trades from the app. User can borrow up to 50% of portfolio value.

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Crypto trading

Free crypto trading, designed for the entry level investor. No minimum trade amount. Simple, and instant trades from the app. Instant liquidity and higher yield than savings account.

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Global Fintech Marketplace

Powerful e-commerce platform for large or small use cases. Launch your own online store in few easy steps. Include partners’ micro-SMB sites under your umbrella.

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*Companies listed are established brand name leaders for individual financial services. They are used as a frame of reference only in order to illustrate the 8 stand-alone business models incorporated into the Super App. In most cases, Valorus works with other fintechs providing identical or superior service offerings
Loyalty Rewards + Cashback

Powerful loyalty + rewards platform. Use it as a stand-alone platform or integrate with your existing program(s)

Cash back
Multi-tier rewards platform
Your discounts & offers
Your partners’ discounts & offers
Valorus
Valorus
Digital Bank Account, Loyalty Debit Card, P2P

P2P feature parity with other popular solutions PLUS real savings and checking account with linked loyalty debit card

Includes:
  • FDIC insured accounts
  • ACH transfer in/out
  • Payroll direct deposit
  • Mobile check deposit
  • Cash loads at retail
  • ATM access
  • Check printing/sending
  • Monthly statements
  • Closed-loop transactions
Integration with 3rd party wallets/systems (Venmo, PayPal, Zelle and NFC etc.)
Full companion card product suite for family and friends
International Money Transfer

Faster, better, cheaper than solutions in market today

Multiple partners, networks, rails provide flexibility for send or receive.
  • Digital to bank account
  • Digital to debit card
  • Cash out
  • Crypto
Radically lower costs
Instant liquidity
Other international products
  • Mobile top ups
  • Gift cards
  • Long distance calling
Valorus
Valorus
Personal Finance Management

Valorus provides a financial wellness toolkit (PFM) that helps users set budgets and goals, stay on track, make better financial decisions, avoid late fees, and accumulate savings. PFM also provides a zero-friction, fully integrated user experience for all financial services living within the super app

Real-time financial assets and liabilities dashboard
Transaction history, including detail summary, history
Transactions categories displayed in dashboard charts detailing spending history
Goal setting and tracking
Set reminders and control notifications to help monitor spending, investments, transactions, security and savings
Credit Builder

Valorus super app enables users to improve their credit scores by:

Advance warnings and notifications of upcoming payment due dates from the PFM
Reporting on-time payments for rent, utilities, mobile, and other transactions directly to 3 major credit bureaus
Reporting on-time payments from users branded loyalty debit card
Reporting on-time payments from our proprietary branded loyalty credit card
Valorus
Valorus
Loans Marketplace

Users choose from over 45 top lenders to get the best deals on loans

Personal, auto, home, student
Smartphone/device acquisition financing
Alternative credit scoring models provide access to credit and/or better terms than traditional FICO lenders
Insurance Marketplace

Users choose from over 25 top insurance carriers to purchase insurance that includes:

Auto
Home
Apartment
Life
Pet
RV, motorcycle, watercraft
Handset
Valorus
Valorus
Stock Trading

Valorus financial services marketplace is designed for the entry level investor enabling:

Free trades for fractional stocks, ETFs
Margin loans up to 50% of portfolio value
Instant liquidity
End User has potential for higher yield than keeping money in savings account
Education library
Assisted trading
Crypto Trading

Valorus marketplace makes investing in crypto easy for the entry level investor by providing:

Free trades
Instant liquidity
Assisted trading
Education library
Valorus
Valorus
Other Marketplaces

Valorus super app is a powerful e-commerce platform for large or small use cases supporting:

Curated site for consumer goods resale
Telehealth, wellness services
Gig workers
Micro-SMB sites under your umbrella